Notice of Privacy Practices

This document is provided to you to explain the personal data we may
collect on you, how we use this data, and the steps we take to protect your
personal information.

Rev.01/2011

FACTS

WHAT DOES THE FIRST NATIONAL BANK OF NIAGARA DO WITH YOUR
PERSONAL INFORMATION?

Why?

Financial companies choose how they share your personal
information.
Federal law gives consumers the right to limit some but
not all sharing.Federal law also requires us to tell you how we
collect, share, and protect your personal information.Please read this notice carefully to understand
what we do.

What?

The types of personal information we collect and share
depend on the product or service you have with us.This information can include:

§
Social Security numberandincome

§
Account balances andpayment history

§
Transaction history and
transaction or loss history

When you are no
longer our customer, we continue to share your
information as described in this notice.

How?

All financial companies need to share customers’ personal
information to run their everyday business.In the section below, we list the reasons financial
companies can share their customers’ personal information;
the reasons The First National Bank of Niagara chooses to
share; and whether you can limit this sharing.

Reasons we can share your personal information

Does The First National Bank of Niagara share?

Can you limit this sharing?

For our everyday business purposes –

such as to process your transactions, maintain your
account(s), respond to court orders and legal
investigations, or report to credit bureaus

No

We don’t share

For our marketing purposes –

to offer our products and services to you

No

We don’t share

For joint marketing with other financial companies

No

We don’t share

For our affiliates’ everyday business purposes –

information about your transactions and experiences

No

We don’t share

For our affiliates’ everyday business purposes –

information about your creditworthiness

No

We don’t share

For non-affiliates to market to you

No

We don’t share

Questions?

Call toll-free 866-676-9544 or go to www.niagarabank.com

What we do

How does The First National Bank of Niagara protect my
personal information?

To protect your
personal information from unauthorized access and use, we use
security measures that comply with federal law.These measures include computer safeguards and secured
files and buildings.

We restrict
access to nonpublic personal information about you to those
employees who need to know that information to provide
products and services to you.

How does The First National Bank of Niagara collect my
personal information?

We collect your
personal information, for example when you

§
Open an account or
Apply for a loan

§
Deposit money or
Pay your bills

§
Use your credit card or debit card

We also collect your personal
information from others, such as credit bureaus, affiliates,
or other companies.